corporate application 2020.approved-v6...pengakuan dan persetujuan | declaration and consent...

Akaun MatawangAccount Currency

Cawangan Tempat PengambilanBranch of Collection

Didaftar sebagaiRegistered as

Nama Syarikat BerdaftarRegistered Company Name

Nama Perdagangan PerniagaanBusiness Trading Name

Pemilik TunggalSole Proprietorship

Sendirian BerhadLimited Company

Rakan KongsiPartnership

Kelab / Badan Kemasyarakatan / Persatuan BerdaftarRegistered Club / Society / Association

Lain-lainOthers

Sama Seperti DiatasSame as Above

Lain-lain (Sila nyatakan) Others (Please state)

Perkhidmatan Lain Other Services

Kad MasterCard KorporatMasterCard Corporate Card

BizNetPerkhidmatan Secured PouchSecured Pouch Services

Lain-lainOthers

BORANG PERMOHONAN AKAUN KORPORAT

PERKHIDMATAN YANG DIKHENDAKI | SERVICES REQUIRED

MAKLUMAT SYARIKAT | COMPANY INFORMATION

CORPORATE ACCOUNT APPLICATION FORM

Jenis Akaun Account Type

Akaun Semasa Current Account

Akaun MSME MSME Account

Akaun Pelaburan Investment Account

CMO/CBG/CAOF/V1.0/2020

Alamat Perniagaan BerdaftarRegistered Business Address

No. Telefon PejabatOffice Telephone No.

EmelEmail

Laman SesawangWebsite

No. Telefon BimbitMobile Telephone No.

Sama Seperti Alamat BerdaftarSame as Registered Address

Sama Seperti Alamat BerdaftarSame as Registered Address

Alamat PersuratanMailing Address

PoskodPostcode

No. PendaftaranRegistration No.

Negara Tempat BerdaftarCountry of Registration

Tarikh PendaftaranDate of Registration

Individu Untuk DihubungiContact Person

Jumlah AssetTotal Asset

Urusniaga Dengan Negara LainOther Countries Traded With

Matawang DiniagakanCurrencies Traded in

MAKLUMAT PERNIAGAAN | BUSINESS INFORMATION

Modal BerbayarPaid up Capital

Jumlah PekerjaNo. of Employees

TempatanLocal

AsingForeigner

Tujuan Membuka AkaunPurpose of Account Opening

Sumber DanaSource of Fund (i.e expected source of the funds to be used)

Jenis Perniagaan Nature of Business

Anggaran Hasil TahunanEstimated Annual Turnover

Anggaran Jumlah Transaksi SebulanEstimated Number of Transactions Monthly

Jenis TransaksiTransaction Types

TunaiCash

CekCheques

Pindahan Dari Akaun LainTransfer From Other Accounts

Pindahan Dari Bank LainTransfer From Other Bank

Lain-lainOthers



Bilangan Buku Cek DikehendakiNo. of Cheque Books Requested

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No. K.P / Pasport I.C / Passport No.


KETERANGAN PEMILIK MUTLAK DETAILS OF ULTIMATE BENEFICIARY OWNER

Keterangan Anak - Anak Syarikat / Details of Associated Companies

BOC Baiduri SCB Maybank UOB RHB

KETERANGAN ANAK - ANAK SYARIKAT | DETAILS OF ASSOCIATED COMPANIES

KETERANGAN PEMILIK / RAKAN KONGSI / PENGARAH / LAIN-LAIN |DETAILS OF PROPRIETOR / PARTNER / DIRECTOR / OTHERS

KETERANGAN PEMEGANG SAHAM |DETAILS OF SHAREHOLDERS

KETERANGAN PENANDATANGAN YANG DIBERI KUASA |DETAILS OF AUTHORISE SIGNATORIES




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PENGAKUAN DAN PERSETUJUAN | DECLARATION AND CONSENT


I/We hereby declare that all the information given herein is true, correct and complete up to the date of this application and undertake to notify the Bank immediately of any changes to the said information. I/We acknowledge that the Bank may at its sole discretion accept or decline my/our application and/or close my/our account without providing me/us with any reason whatsoever. I/We authorise the Bank to conduct due diligence, check, obtain and/or verify any of the information provided herein from/with any source as the Bank deem fit. I/We confirm that I/we have read or will read prior to drawing any cheques and agree to be bound by the Terms & Conditions as printed on the inside and outside of the Bank’s cheque book. I/We wish to apply for the services indicated in this application form and hereby acknowledge that the use of the services is subject to the respective Terms & Conditions of the services and I/We agree to be bound by the same including all amendments thereto from to time. I/We confirm and agree that the Bank may without any prior notice or demand combine and consolidate all or any of my/our account(s) with the Bank and set off or transfer any sum(s) standing to the credit of any such accounts or any other sums owing to the Bank towards satisfaction of my/our liabilities to the Bank whether such liabilities be actual, contingent primary, several or joint. I/We declare that at the time of this application I am/we are not undischarged bankrupt(s) or no statutory demand or proceeding have been served on or commenced against me/us. I/We authorise that Bank to disclose/release without any further notice to me/us any information details or data pertaining to my/our accounts(s) held/maintained with the Bank as authorised by law or such other purposes as the Bank may deem necessary from time to time. That the conduct of the account is within Criminal Asset Recovery Order (CARO) 2012 and I/we will exercise due care not to facilitate funds from proceeds of any unlawful activity to be channeled through any of my/our account(s) with the Bank and undertake to provide the Bank with all relevant and updated information and documents as and when requested by the Bank for identification and verification purposes. I/We shall fully indemnify and/or keep the Bank indemnified from and against all actions, proceedings, damages, cost, claims, expenses and/or losses including legal fees which the Bank may suffer. incur or sustain by the Bank acting on my/our instructions.

1.

2.3.4.5.

6.

7.8.

9.

10.

By Signing this application,

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Extract Copy of Directors and Shareholders information (New Registered Company), OR

Latest Annual Return


Kod Perindustrian Industrial Code

No. CawanganBranch No.

TICK THE SEGMENT

CORPORATE SEGMENTATION*

CORPORATE - MICRO

EMPLOYEES ASSETS ANNUAL SALES LOAN SIZEPROXIES

CORPORATE - SMALL

CORPORATE - MEDIUM

CORPORATE - CORPORATE

V 10

V 30

V 100

V 100

V $60,000

V $600,000

V $3 MILLION

V $3 MILLION

V $100,000

V $1, MILLION

V $5 MILLION

V $5 MILLION

V $30,000

V $300,000

V $1,500,000

V $1,500,000

CORPORATE - GLC *GOVERNMENT LINK COMPANIES

*ASSOCIATION / SOCIETY / CLUB / UNINCORPORATED / DONATION FUND, ETC

*PLEASE SPECIFY

CORPORATE - NON-PROFIT

OTHERS

Dihadiri olehAttended by

No. IDID No.

Dimasukkan olehEntered by

No. IDID No.

Diberi kuasa olehAuthorised by

No. IDID No.

*** Corporate segmentation code can be defined by matching any three (3) of four (4) indicator above.

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TERMA DAN SYARAT | TERMS AND CONDITIONS

CMO/CBG/CAOF/V1.0/2020 of 8

Pelanggan mengakui bahawa segala terma dan syarat am ini hendaklah dibaca bersama dengan terma dan syarat khusus serta ciri-ciri produk yang berkenaan dengan kemudahan-kemudahan dan/atau perkhidmatan-perkhidmatan yang ditawarkan oleh pihak Bank. Dalam menggunakan segala kemudahan dan/atau perkhidmatan tersebut, Pelanggan bersetuju untuk mematuhi dan terikat kepada terma-terma dan syarat-syarat ini dan mana-mana variasi oleh pihak. Bank dari semasa ke semasa.

Pihak Bank mempunyai hak untuk menambah, mengubahsuai, variasi atau melupuskan mana-mana terma dan syarat ini dan perubahan demikian adalah berkuatkuasa tertakluk kepada notis mengenai perubahan tersebut dalam apa jua bentuk komunikasi yang pihak Bank anggap bersesuaian. Apabila notis berkenaan dikeluarkan, maka pihak Pelanggan hendaklah terikat dengan perubahan-perubahan demikian. Jika sekiranya Pelanggan tidak bersetuju dengan perubahan-perubahan terma dan syarat tersebut, Pelanggan adalah berhak untuk menamatkan perjanjian tersebut.

Dalam menggunakan mana-mana kemudahan dan/atau perkhidmatan yang ditawarkan oleh Bank, Pelanggan bersetuju membayar yuran dan caj yang dikenakan oleh pihak Bank dalam memberikan Pelanggan kemudahan dan/atau perkhidmatan dan apa-apa jua perubahan oleh pihak Bank dari masa ke semasa. Pelanggan mengakui bahawa pihak Bank atas budibicaranya boleh menyemak semula/meminda/mengubah mana-mana yuran dan caj yang ditetapkan tertakluk kepada pelanggan telah diberi notis awal mengenai dengan perubahan ini melalui mana-mana cara yang dianggap bersesuaian. Tarif Bank serta caj bagi perkhidmatan simpanan dan perkhidmatan-perkhidmatannya dan/atau kemudahan yang dikenakan dan/atau disemak oleh Bank dari masa ke semasa boleh diperolehi melalui laman web pihak Bank atau diberi kepada Pelanggan sekiranya diperlukan.

Pelanggan akan disediakan dengan penyata akaun secara berkala yang mencatitkan secara terperinci segala pergerakan dan pengurusan termasuk transaksi dalam akaun dan boleh diperolehi secara ’on-line’ atau dengan apa jua cara yang lain yang disediakan oleh pihak Bank. Penyata akaun adalah muktamad dan mengikat Pelanggan kecuali pihak Bank diberi maklumat secara bertulis mengenai sebarang kesilapan/kecuaian dalam masa empat-belas hari (14) dari tarikh penyata.

Akaun adalah dikira lapuk jika tidak berlaku apa-apa transaksi melebihi tempoh dua-belas “(12)” bulan. Dalam hal ini, pihak Bank boleh bertindak untuk menamatkan Wakalah tersebut dengan syarat pihak Bank memberikan makluman kepada Pelanggan akan maksud untuk menamatkannya. Pelanggan bersetuju bahawa pihak Bank akan membaharui secara otomatik ke atas pelaburan yang disimpan dalam Simpanan Berjangka (Term Deposits) sehinggalah tiba masanya pihak Bank memilih untuk menamatkan pelaburan demikian. Tempoh yang ditetapkan adalah seperti yang dinyatakan di dalam terma dan syarat khusus serta butiranbutiran produk dan mana-mana perubahan oleh pihak Bank dari masa ke semasa. Pihak Bank berhak untuk mengenakan apa-apa caj ke atas Akaun Lapuk dan untuk mendebit sejumlah wang untuk bayaran caj dari mana-mana akaun Pelanggan yang ada pada pihak Bank.

Berikutan dengan Perintah Perbankan Islam 2008 bagi akaun yang diklasifikasikan di bawah Wang Yang Tidak Dituntut, iaitu akaun-akaun yang sudah tidak aktif atau tidak lagi beroperasi/berurusan selama enam (6) tahun atau lebih dan cubaan-cubaan yang munasabah oleh pihak Bank untuk menghubungi/mencari Pelanggan mengenai kewujudan wang berkenaan, pihak Bank hendaklah menyerahkan baki wang dalam akaun kepada Autoriti Monetari Brunei Darussalam (“AMBD”). Seterusnya, pemilik wang berkenaan hendaklah menuntut wang berkenaan secara langsung dari AMBD.

Pelanggan hendaklah menanggung rugi pihak Bank sepenuhnya dan melindungi pihak Bank terhadap semua tindakan, prosiding, tuntutan, kerugian, liabiliti, gantirugi, kos dan perbelanjaan yang boleh diambil terhadap pihak Bank atau ditanggung atau dikenakan oleh Bank yang mungkin timbul sama ada secara langsung atau tidak langsung yang mana berkaitan dengan tindakan pihak Bank dalam menjalankan kewajipannya atau berbangkit dari arahan Pelanggan sama ada secara bertulis atau secara lisan melainkan disebabkan kemungkiran yang disengajakan oleh pihak Bank. Liabiliti Pelanggan adalah berterusan dan tetap berkuatkuasa dan sah sehingga Pelanggan melepaskan sepenuhnya liabiliti berkenaan kepada Bank.

Pihak Bank mempunyai hak mutlak untuk menggabung/menyatu/mencantum mana-mana/semua akaun Pelanggan yang terdapat dengan pihak Bank bagi maksud untuk menolak baki hutang dari baki wang yang sedia ada atau sebagai bayaran ganti bagi mendapatkan balik hutang yang perlu dibayar yang mana Pelanggan adalah bertanggungjawab. Pelanggan selanjutnya bersetuju bahawa pihak Bank boleh pada bila-bila masa dan tanpa memberi sebarang notis berhak untuk membekukan, menolak atau memindah mana-mana akaun Pelanggan tanpa mengira jenis atau nama-nama akaun, sama ada secara individu dan/atau akaun bersama, dalam bentuk matawang tempatan atau luar negeri supaya setiap akaun adalah dikira sebagai sekuriti/jaminan kepada akaun yang lain, baik secara individu atau bersama bagi tujuan penolakan apa jua hutang Pelanggan atau mana-mana pihak yang dijamin oleh Pelanggan kepada Bank.

Akaun adalah dianggap tutup apabila:

Pihak Bank adalah bebas untuk menutup akaun Pelanggan serta-merta tanpa memberikan sebarang alasan. Setelah penutupan akaun berkenaan sama ada oleh pihak Bank atau oleh Pelanggan, semua cek yang tidak digunakan adalah menjadi hak milik pihak Bank dan Pelanggan hendaklah dengan serta merta memulangkan cek-cek yang tidak digunakan kepada pihak Bank. Sekiranya berlaku kematian, gila, kebankrapan atau penggulungan pihak Bank berhak untuk membekukan dan/atau menutup Akaun sehinggalah perintah diterima daripada Mahkamah/Pihak Berkuasa dan/atau penyerahan dokumen-dokumen yang berkaitan.

Mana-mana akaun yang mempunyai ciri-ciri produk yang menghendaki tempoh minima, keesahan akaun tersebut boleh dilanjutkan secara otomatik apabila tempohnya tamat bagi tempoh selanjutnya sebagaimana yang ditetapkan oleh pihak Bank. Apabila tempoh yang dilanjutkan telah tamat, pihak Bank atas budi bicaranya boleh menamatkan pembaharuan tersebut.

Pelanggan mengakui bahawa terdapat beberapa kemudahan tertentu memerlukan tempoh waktu yang minimum. Jika sekiranya berlaku sebarang penamatan sebelum berakhirnya tempoh minima, pihak Bank berhak untuk mendapatkan semula mana-mana kerugian sebenar yang disebabkan oleh penamatan awal. Jika sekiranya berlaku penamatan awal, Pelanggan mengakui bahawa beberapa kemudahan dan/atau perkhidmatan tertentu, Pelanggan tidak berhak ke atas pembayaran mana-mana pulangan dan apa jua hak demikian hendaklah ditentukan sepenuhnya oleh pihak Bank dengan budi bicaranya.

Pelanggan adalah dikehendaki untuk memaklumkan pihak Bank mengenai sebarang perubahan pada butir-butir Pelanggan seperti perubahan alamat tempat tinggal atau sebarang perubahan kepada tanda-tangan Syarikat yang diberi kuasa dengan segera. Semua komunikasi termasuk perkhidmatan proses perundangan yang dikirim dengan pos atau ditinggalkan pada alamat Pelanggan yang terakhir yang diketahui oleh Bank adalah dianggap sudah dikirim dan diterima oleh Pelanggan. Pelanggan dengan ini bersetuju tidak akan menyalahkan pihak Bank jika sekiranya tidak menerima sebarang komunikasi/surat-menyurat berikutnya.

Semua transaksi kewangan termasuk pembukaan akaun dengan pihak Bank adalah tertakluk kepada polisi dalaman pihak Bank dan prosedur Kenali Pelanggan Awda ("KPA") dan Anti Pembersihan Wang dan undang-undang yang digunapakai termasuk Criminal Asset Recovery Order, 2012. Jika sekiranya pihak Bank mengetahui atau mempunyai alasan yang munasabah untuk mempercayai atau mencurigai mana-mana transaksi atau sesetengah dana yang diperolehi atau didapati secara langsung atau tidak langsung daripada kegiatan yang menyalahi undang-undang, pihak Bank mempunyai hak untuk menolak dan melaporkan transaksi tersebut kepada pihak berkuasa yang berkenaan.

Tanpa sebarang prasangka terhadap terma-terma dan syarat serta Kaedah-Kaedah dan Peraturan-Peraturan, di mana terma-terma dan syarat-syarat ini adalah juga tertakluk kepada kaedah-kaedah, peraturan-peraturan, garispandu dan/atau arahan-arahan yang dikenakan ke atas pihak Bank dari masa ke semasa dan undang-undang yang digunapakai. Sebarang perubahan akan dimaklumkan kepada Pelanggan dalam tempoh yang difikirkan sesuai oleh pihak Bank.

Semua terma dan syarat ini adalah di bawah kawalan dan ditafsirkan mengikut undang-undang Brunei Darussalam. Mahkamah-mahkamah Brunei Darussalam mempunyai bidang kuasa perundangan yang eksklusif terhadap sebarang pertikaian yang mungkin timbul dari pengurusan atau pelaksanaan yang terdapat dalam terma-terma dan syarat-syarat ini.

Pelanggan memberi kebenaran kepada pihak Bank untuk mendedahkan sebarang maklumat tentang akaun Pelanggan yang terdapat pada pihak Bank kepada:

Pelanggan mengakui dan bersetuju bahawa pihak BIBD atas budibicara mutlaknya dan dengan kos Pelanggan itu sendiri, akan mengambil tindakan yang sewajarnya dan bersesuaian termasuk tetapi tidak terhad kepada menggantung, menahan, membekukan, menutup akaun saya/kami dengan pihak BIBD atau mengeluarkan apa-apa pembiayaan/perkhidmatan yang disediakan oleh pihak BIBD sekiranya:

Pelanggan bersetuju bahawa pihak Bank akan bertindak sewajarnya dan bersetuju untuk tidak menyalahkan pihak Bank bagi tindakan tersebut sehingga Pelanggan menyediakan pihak Bank maklumat/dokumen-dokumen yang dipohonkan atau sehingga perintah/arahan/panduan daripada Mahkamah/yang Berkuasa.

Akaun boleh dibuka atas nama perseorangan atau secara bersama atas nama dua orang atau lebih. Akaun boleh dibuka atas nama Syarikat selepas penyerahan segala dokumen-dokumen yang berkenaan kepada pihak Bank dan menepati semua syarat. Had umur yang ditetapkan bagi membuka akaun tertentu adalah bergantung kepada terma dan syarat khusus serta ciriciri produk akaun berkenaan. Bagi pembukaan akaun tertentu yang melibatkan seseorang individu di bawah umur 18 tahun, akaun tersebut hendaklah dibuka secara bersama dengan ibubapa individu berkenaan atau penjaganya. Pihak Bank boleh menetapkan jumlah minimum simpanan tunai bagi mana-mana/semua akaun yang dibuka, yang mana jumlah berkenaan adalah ditetapkan atas budi bicara mutlak pihak Bank. Pelanggan bersetuju untuk mematuhi keperluan minimum simpanan yang ditetapkan oleh pihak Bank untuk urusan penyelenggaraan Akaun Semasa. Sekiranya gagal berbuat demikian, Pelanggan bersetuju membayar caj yang dikenakan oleh pihak Bank dari masa ke semasa. Pelanggan juga bersetuju untuk membayar mana-mana duti setem yang dikenakan ke atas pengeluaran buku-buku cek. Mana-mana/Semua maklumat yang diberikan oleh Pelanggan kepada pihak Bank dalam Permohonan untuk Membuka Akaun adalah sebagai representasi kepada pihak Bank. Pelanggan mengakui bahawa akaun adalah dibuka atas maklumat yang diberikan dan akujanji untuk memaklumkan kepada pihak Bank dengan segera jika ada sebarang perubahan berlaku kepada maklumat berkenaan. Contoh tandatangan Pelanggan yang diberikan kepada pihak Bank hendaklah dianggap sebagai asas bagi membenarkan sebarang transaksi terhadap akaun Pelanggan dan adalah sah melainkan pihak Bank menerima arahan bertulis untuk membatalkan/mengubah tandatangan berkenaan. Pihak Bank berhak untuk menolak sebarang permohonan untuk membuka akaun atau mana-mana kemudahan atau perkhidmatan tanpa mengemukakan apa-apa alasan atas penolakan itu.

Pelanggan melantik pihak Bank sebagai Wakil (Agen) dan memberi kuasa kepada pihak Bank untuk menguruskan dan/atau membuat pelaburan sama ada kesemua atau sebahagian dari wang yang tersimpan di dalam akaun dalam mana-mana bentuk yang pihak Bank anggap sesuai termasuk bagi maksud perdagangan dan pelaburan serta untuk menjalankan dan berunding bagi Pelanggan dengan syarat bahawa semua urusan transaksi/pelaburan adalah menurut prinsip-prinsip Shariah. Pelanggan selaku Prinsipal adalah bertanggungjawab menanggung ke atas semua risiko berkaitan dengan tindakan pihak Bank sebagai wakil kepada Pelanggan melainkan kerugian-kerugian tersebut Pelanggan dapat buktikan adalah disebabkan oleh kesilapan/salah-laku yang disengajakan oleh pihak Bank. Pihak Bank adalah bertindak sebagai Wakil bukan ekslusif kepada Pelanggan. Pihak Bank sebagai wakil adalah berhak terhadap yuran Wakalah dan pihak Bank mempunyai budibicara mutlaknya sama ada untuk mengetepikan atau mengenakan bayaran berkenaan.

Pihak Bank menjangkakan tetapi tidak menjamin bahawa pulangan boleh diperolehi dari hasil pelaburan. Pihak Bank akan menerbitkan pulangan sebagai kadar pulangan yang dijangkakan. Sekiranya pulangan hasil dari pelaburan melebihi kadar pulangan yang dijangkakan, maka pihak Bank berhak untuk mengambil lebihan pulangan selepas ditolak yuran Wakalah yang mana pihak Pelanggan bersetuju ianya dianggap sebagai insentif kepada pihak Bank atas usahanya. Sekiranya pendapatan dari pelaburan kurang dari kadar pulangan yang dijangkakan, Pelanggan adalah berhak terhadap pendapatan tersebut selepas ditolak yuran Wakalah.

Pelanggan mengakui bahawa pembayaran mana-mana pulangan adalah mengikut terma-terma dan syarat-syarat khusus serta ciri-ciri produk berkenaan dan / atau perkhidmatan.

Pihak Bank menerima wang simpanan dari Pelanggan sama ada dalam bentuk tunai atau dalam mana-mana amalan lazim perbankan. Simpanan yang dibuat oleh pihak ketiga ke dalam akaun Pelanggan boleh diterima tanpa liabiliti di pihak Bank. Di mana pihak Bank ada menyediakan sebarang perkhidmatan/kemudahan istimewa seperti melalui Mesin Simpanan Tunai/Cek (CDMs) untuk menerima wang tunai dan cek, Pelanggan hendaklah mematuhi prosedur-prosedur yang ditetapkan dengan betul. Pengeluaran wang tunai bolehlah dibuat di kaunter atau melalui mana-mana Kad Bank yang membolehkan pengeluaran seumpamanya. Pihak Bank berhak untuk menolak penerimaan cek-cek kutipan dan lain-lain instrumen kewangan yang mana pada pendapat pihak Bank adalah luar aturan dalam apa jua bentuk atau yang tidak menurut kehendak- kehendak Shariah atau yang sudah diubah walaupun sudah ditandatangani semula oleh pihak yang mengeluarkan. Mana-mana cek yang diterima tetapi tidak diperlakukan sah boleh dikembalikan kepada Pelanggan atas risiko dan biaya mereka sendiri. Bagi akaun Perusahaan Mikro Kecil Dan Sederhana ("MSME") jika dalam tempoh masa dua belas (12) bulan cek Pelanggan dikembalikan sebanyak enam (6) kali atau sebanyak mana jumlah yang akan ditentukan oleh pihak Bank dari masa ke semasa, pihak Bank adalah berhak atas bidangkuasa mutlaknya untuk menutup akaun Pelanggan atau menukarkan akaun Perusahaan Mikro Kecil Dan Sederhana Pelanggan kepada akaun semasa yang biasa. Pihak Bank boleh untuk tidak menerima mana-mana penyimpanan atau pengeluaran apabila berlaku kerosakan atau kegagalan pada talian sistem komputer, sama ada kerosakan atau kegagalan tersebut adalah keseluruhan atau sebahagian.

Pihak Bank hendaklah mengkreditkan semua wang kiriman dan wang draf Pelanggan yang diterima ke dalam akaun Pelanggan dalam bentuk matawang akaun berkenaan melainkan pihak Bank menerima arahan yang berlainan dari Pelanggan dan wang simpanan adalah berdasarkan nilai pertukaran yang berlaku pada hari yang sama wang diterima. Semua pemindahan yang dibuat oleh Bank sebagaimana arahan dari Pelanggan adalah atasbiaya Pelanggan dan pihak Bank tidak bertanggungjawab jika jumlah wang yang dikreditkan ke akaun Pelanggan didapati kurang disebabkan oleh sebarang bayaran atau turunnya nilai/matawang dan pihak Bank tidak bertanggungjawab terhadap Pelanggan jika ia tidak dapat mengeluarkan wang atas sebarang peraturan yang dikeluarkan oleh pihak-pihak yang berkuasa. Pihak Bank tidak bertanggungjawab atas sebarang tindakan dari sebarang kesalahan, kelewatan, kesilapan, kesilapan telegrafik, pengabaian atau salah pengertian yang mungkin berbangkit dari dan terhadap sebarang kerugian yang mungkin terjadi melalui pengabaian surat-menyurat dalam mempastikan pengenalan individu-individu yang betul yang tercatit dalam arahan-arahan atau dalam mengekalkan jumlah dana. Sekiranya mana-mana pemindahan wang tidak dibayar dan dikembalikan kepada Bank, Pelanggan hanya boleh menuntut nilai yang tertera mengikut kadar belian hari berkenaan apabila wang dikembalikan. Bayaran balik wang hanya akan dilakukan selepas pengesahan dari pihak Bank Koresponden bahawa dana belum dibayar dan arahan-arahan asal telah dibatalkan.

Pelanggan akujanji untuk memastikan bahawa jumlah dana dalam akaun adalah mencukupi untuk urusan pembayaran. Sebarang arahan adalah tertakluk kepada mana-mana pengaturan yang kini wujud atau yang boleh kemudian wujud di antara Pelanggan dan pihak Bank yang berkaitan dengan akaun Pelanggan. Pihak Bank berhak untuk menamatkan mana-mana arahan berhubung bayaran akan datang pada bila-bila masa melalui notis bertulis kepada Pelanggan atau tanpa sebarang notis pada bila-bila masa atas nasihat oleh penerima yang namanya tersebut di atas bahawa bayaran selanjutnya adalah tidak diperlukan atau tanpa menetapkan sebarang alasan. Arahan Berkuatkuasa akan tetap berlaku dalam hal pembayaran yang dibuat secara jujur meskipun Pelanggan telah meninggal dunia atau didakwa bankrap atau pembatalan arahan berkenaan dengan apa jua cara sehingga notis bertulis tentang kematian Pelanggan atau kebankrapan atau mana-mana pembatalan telah diterima oleh Bank.

Semua wang simpanan dibuat dalam Akaun Bersama dan pemindahan wang masuk ke dalam akaun ini adalah dianggap sebagai dimiliki oleh pemegang-pemegang akaun melainkan dinyatakan sebaliknya. Mana-mana pemegang Akaun Bersama atau wakil-wakil mereka tidak sepatutnya memohon kemudahan-kemudahan pembiayaan atas nama-nama mereka yang tercatit dalam Akaun Bersama tanpa kebenaran bertulis dari semua pemegang-pemegang Akaun Bersama. Pemegang-pemegang Akaun Bersama memberi kuasa kepada Bank untuk menggunakan bahagian mereka dalam akaun bersama sebagai penolakan bagi akaun mereka yang lain. Sekiranya terjadi kematian kepada salah seorang pemegang akaun bersama, langkah-langkah berikut hendaklah dipatuhi:

Orang-orang yang diberi kuasa hendaklah mengendalikan semua transaksi perbankan dan pelaburan dengan Bank setakat mana kuasa yang diberikan secara nyata kepada mereka. Syarikat/Organisasi hendaklah dengan segera memaklumkan pihak Bank mengenai apa-apa perubahan dalam Memorandum dan Artikel atau Persatuan atau undang-undang kecil atau mana-mana perubahan dalam bentuk perundangan atau apa-apa perubahan dalam Perlembagaan, Lembaga Pengarah, Rakan kongsi, Perwakilan atau mana-mana perubahan dalam penandatangan-penandatangan yang diberi kuasa. Rakan-rakan kongsi mengisytiharkan bahawa sekiranya terdapat perubahan dalam kuasa mana-mana rakan kongsi mewakili Syarikat/Organisasi sama ada disebabkan oleh mengundur diri, meletakkan jawatan atau disingkirkan atau mana-mana perubahan dalam Memorandum Persatuan atau penukaran nama atau kehilangan kewibawaan undang-undang atas mana-mana rakan kongsi atau pengumuman tentang kebankrapan atau kematian atau tentang kemasukan dan pengunduran mana-mana ahli, maka rakan-rakan kongsi yang tinggal adalah sepenuhnya bertanggungjawab ke atas Syarikat/Organisasi dan pihak Bank mempunyai kuasa untuk menahan semua jumlah kredit Syarikat/Organisasi bagi pihak Bank demi untuk mendapat semula segala hak atau bagi pihak mana-mana perintah atau keputusan mahkamah.

Pelanggan bersetuju untuk memberi resolusi-resolusi yang berkaitan untuk memberi kuasa membuka akaun dan memberi contoh tandatangan bagi maksud urusan akaun. Arahan yang diberi oleh Pelanggan melibatkan pengurusan akaun hendaklah berkuatkuasa sehinggalah pihak Bank menerima notis bertulis untuk membatalkan arahan-arahan berkenaan meskipun ada perubahan dalam perlembagaan dan keahlian sama ada disebabkan kematian, kebankrapan, persaraan atau kemasukan ahli-ahli baru atau sebaliknya.

1. AKAUN 1.1 1.2 1.3

1.4 1.5

1.6

1.7

1.8

2. KONSEP WAKALAH 2.1

2.2

2.32.4

3. PULANGAN PELABURAN 3.13.2

3.3

4. BAYARAN PULANGAN 4.1

5. SIMPANAN DAN PENGELUARAN 5.1

5.2

5.35.4

5.55.6

5.7

6. WANG KIRIMAN 6.1

6.2

6.3

6.4

7. ARAHAN BERKUATKUASA 7.17.27.3

7.4

8. SYARAT-SYARAT BAGI AKAUN BERSAMA (PERSEORANGAN) 8.18.2

8.38.4

9. SYARAT-SYARAT MENGENAI AKAUN YANG DIMILIKI OLEH SYARIKAT/ORGANISASI 9.19.2

9.3

10. SYARAT-SYARAT MENGENAI AKAUN YANG DIMILIKI OLEH PERSATUAN/KELAB10.110.2

apa-apa baki wang yang ada dalam Akaun Bersama (jika tanpa ada arahan/perjanjian secara bertulis) akan menjadi milik pemegang akaun yang masih hidup yang mana prinsip ketahanan hidup digunapakai; pihak Bank akan membayar semua atau mana-mana daripada bahagiannya kepada seorang atau lebih pemegang akaun bersama berkenaan dan hak itu tidak akan terjejas sama ada oleh kematian, kegilaan atau kecacatan lain terhadap pemegang tersebut; apa-apa bayaran yang dibuat oleh Bank kepada pemegang yang masih hidup itu hendaklah menjadi penyerahan lengkap liabiliti Bank ke atas Akaun Bersama.

i)

ii)

iii)

Sebarang penepian yang diberikan oleh pihak Bank kepada Pelanggan atas sebarang kemungkiran/kesalahan Pelanggan, tidaklah boleh ditafsirkan sebagai penepian yang kekal dan sebarang penepian demikian tidak akan menjejaskan hak-hak pihak Bank di bawah terma dan syarat ini pada mana-mana masa lain. Jika sekiranya berlaku sebarang peruntukan yang diisytiharkan oleh mahkamah yang mempunyai bidang kuasa yang berwibawa, didapati tidak sah atau tidak boleh dikuatkuasakan, maka ketidaksahan atau ketidakboleh dikuatkuasakan tersebut tidak akan menjejaskan atau memberi kesan kepada peruntukan-peruntukan yang lainnya, yang mana kesemuanya akan terus berkuatkuasa dan efektif. Perkataan yang menggunakan kata mufrad hendaklah termasuk bentuk jamak dan sebaliknya. Kesemua terma dan syarat ini hendaklah mengikat perwakilan, penyerah hak dan pewaris hakmilik, pelikuidasi dan penerima bagi pihak Bank dan Pelanggan sebagainya. Jika terdapat konflik atau ketidakselarasan di antara versi Inggeris dan versi Melayu mengenai terma ini, versi Bahasa Inggeris akan digunapakai.






























11. PERUBAHAN DALAM SYARAT DAN PERATURAN 11.1

11.2

12. TARIF 12.1

12.2

12.3

13. PENYATA 13.1

13.2

14. AKAUN LAPUK 14.1

14.2

14.3

15. BAKI YANG TIDAK DITUNTUT 15.1

16. LIABILITI DAN TANGGUNG RUGI16.1

16.2

17. HAK TOLAKAN 17.1

17.2

18. PENUTUPAN AKAUN 18.1

18.2 18.3

18.4

19. TEMPOH 19.1

20. PENAMATAN AWAL 20.1

20.2

21. PERUBAHAN ALAMAT, TANDATANGAN ATAU BUTIR-BUTIR 21.1

21.2

22. TRANSAKSI YANG MENCURIGAKAN 22.1

22.2

23. KAEDAH-KAEDAH DAN PERATURAN BADAN-BADAN PENGAWALSELIAAN 23.1

23.2

24. UNDANG-UNDANG KERAJAAN DAN KUASA PERUNDANGAN 24.124.2

25. PERKARA AM 25.1

25.2

25.3

akaun Pelanggan adalah tidak aktif dan mana-mana/keseluruhan wang yang tidak dituntut dipindahkan kepada pihak AMBD sepertimana yang dinyatakan di klausa 14.2 di atas: dan/atau cek yang dipulangkan mengikut klausa 5.6 di atas.

i)ii)

pegawai yang diberi kuasa dalam Kumpulan Bank dengan maksud untuk mengetahui maklumat berkenaan bagi apa jua tujuan atau; kepada pihak Polis atau pegawai awam yang menjalankan penyiasatan berkaitan dengan apa-apa kesalahan atau; kepada lain-lain Bank/institusi kewangan/lain-lain institusi atas apa jua tujuan termasuk urusan kredit atau; kepada pihak berkuasa tempatan/mahkamah undang-undang di Brunei Darussalam di mana pendedahan berkenaan adalah dikehendaki oleh undang-undang/peraturan.

i) ii)iii)iv)

pelanggan gagal menyediakan untuk pihak Bank maklumat/dokumen-dokumen yang dipohonkan dalam jangkamasa yang ditetapkan atau; menurut mana-mana perintah mahkamah atau arahan/panduan yang diterima dari mana-mana badan regulatori/agensi (“yang Berkuasa”) atau; pihak Bank mempunyai sebab yang munasabah untuk menjalankan tindakan tersebut.

i) ii)iii)



The Customer acknowledges that these general terms and conditions are to be read together with the specific terms and conditions and product features applicable to the facilities and/or services offered by the Bank. In availing of such facilities and/or services, the Customer agrees to abide and be bound by these terms and conditions and as varied by the Bank from time to time.

If the Customer disagrees with the changes to the terms and conditions, the Customer shall be entitled to terminate the agreement.

In availing of any of the Bank’s facilities and/or services, the Customer agrees to pay the fees and charges imposed by the Bank in providing the Customer with the facilities and/or services and as varied by the Bank from time to time.The Customer acknowledges that the Bank may at its sole discretion revise/amend/vary any of the Bank’s fees and charges provided the Customer is notified of such changes through any means the Bank deems appropriate.The Bank’s Tariff of fees and charges for depository services and its facilities and/or services as may be imposed and/or revised by the Bank from time to time may be accessed through the Bank’s website or provided to the Customer upon request.

The Customer may be provided with periodic statements detailing all movement and operation including transactions in the account and can be accessed via on-line or any other mode as provided by the Bank.The statement of account shall be conclusive and binding upon the Customer unless the Bank is notified in writing of any errors/irregularities within fourteen (14) days of the date of the statement.

The account shall be considered dormant if no transactions are effected for a period exceeding twelve (12) months. In which event, the Bank may elect to terminate the Wakalah provided the Bank duly notifies the Customer of such intention to terminate.14.2 The Customer agrees that the Bank will perform automatic renewal/roll-over of investments held in Term Deposits until such time the Bank elects to terminate such investments. The prescribed period shall be as stated in the specific terms and conditions and product features of the product and may be varied by the Bank from time to time.14.3 The Bank reserves the right to impose charges on such Dormant Accounts and to debit the amount for such charge from any of the Customer’s accounts held with the Bank.

Pursuant to the Islamic Banking Order 2008 for accounts classified under Unclaimed Monies, that is accounts which have been inactive or have not been operated on for six (6) years or more and upon all reasonable attempts by the Bank to inform/locate the Customer of the existence of such monies, the Bank shall surrender the balance in the account to the Autoriti Monetari Brunei Darussalam (“AMBD”). Henceforth, the owner of the monies would have to claim the monies directly from AMBD.

The Customer shall keep the Bank indemnified on a full indemnity basis at all times and save the Bank harmless from all actions, proceedings, claims, losses, liabilities, damages, costs and expenses which may be brought against the Bank or suffered or incurred by the Bank and which shall have arisen either directly or indirectly out of or in connection with the Bank performing its obligations hereunder or acting upon the Customer’s instruction whether written or oral unless due to the wilful default of the Bank.The liability of the Customer shall be continuing and shall remain in full force and effect until the Customer fully discharges such liability to the Bank.

The Bank shall have an absolute right to combine/merge/consolidate any/all of the Customer’s accounts held with the Bank for the purpose of setting off debit balance against available credit balance or to reimburse itself for recovery of dues of commitments for which the Customer is liable.The Customer further agrees that the Bank may at any time and without giving any prior notice freeze, set off or transfer any amounts between the Customer’s accounts irrespective of the types or names of the accounts, whether individual and/or joint account, in local or foreign currency so that each account shall be considered as security for the other accounts, individually or jointly for the purpose of settling any debts of the Customer or the party(s) guaranteed by the Customer to the Bank.

The account shall be deemed closed when the Customer’s:

The Bank is at liberty to close the Customer’s account immediately without assigning any reason thereto.Upon the closure of the account by either the Bank or the Customer, all unused cheques shall become the property of the Bank and the Customer shall immediately return the unused cheques to the Bank.In the event of death, insanity, bankruptcy or winding up the Bank is entitled to immediately freeze and/or close the Account until the receipt of an order from Court/Authority and/or submission of relevant documents.

Any account in the Product Features which requires a minimum term the validity of such account may be automatically extended upon the expiry of such term for a further period as prescribed by the Bank.

The Customer acknowledges that certain facilities necessitate at least a minimum period. In the event of any termination before the expiration of the minimum period, the Bank is entitled to recover any actual loss due to the early termination.In the event of early termination, the Customer acknowledges that for certain facilities and/or services, the Customer may not be entitled to payment of any returns and any such entitlement shall be solely determined by the Bank at its discretion.

The Customer is required to notify the Bank of any change in the Customer’s particulars such as a change of residential address or a change in the Company’s authorized as soon as possible. All communications including the service of any legal process sent by post or left at the last known address of the Customer provided to the Bank shall be deemed to have been duly delivered to and received by the Customer.The Customer agrees not to hold the Bank liable in the event the Customer does not receive any communications/correspondences ensuing thereto.

All financial transactions including the opening of an account with the Bank are subject to the Bank's existing internal policies and procedures on Know-Your-Customer ("KYC") and Anti-Money Laundering ("AML") and applicable laws including the Criminal Asset Recovery Order, 2012.If the Bank knows or has reasonable grounds to believe or suspect any transactions or certain funds have been derived or realized directly or indirectly from the commission of unlawful activities, the Bank reserves the right to reject such transactions and report the matter to the relevant authorities.

Without prejudice to these terms and conditions and the Bank’s Rules and Regulations, where applicable, these terms and conditions shall also be subjected to such rules, regulations, guidelines and/or directives imposed upon the Bank from time to time and applicable laws.Any such changes will be notified to the Customer within such period as deemed reasonable by the Bank.

These terms and conditions shall be governed by and construed in accordance with the Laws of Brunei Darussalam.The Courts of Brunei Darussalam shall have the exclusive jurisdiction over any dispute that may arise in connection with the construction or performance of these terms and conditions.

The Customer consents to the Bank disclosing any information pertaining to the Customer’s account(s) held with the Bank to:

The Customer acknowledges and agrees that the Bank may, at its sole discretion, take any action the Bank deems fit and appropriate including but not limited to suspend or hold the Customer's account(s) held with the Bank where:

The Customer agrees that the actions taken by the Bank shall remain in effect and agrees not to hold the Bank responsible for such action until the Customer provides the Bank with the information/documents as requested or until further order/instructions/directions from the Court/the Authorities.Any waiver by the Bank of any breach by a Customer shall not be construed as permanent waiver and such waiver will not affect adversely the rights of the Bank under these terms and conditions at any other time.In the event that any provision hereof shall be declared by any court of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not impair or affect the remaining provisions, all of which shall continue in full force and effect.Words importing the singular number only include the plural number and vice versa.These terms and conditions shall be binding upon the representatives, assigns and successors in title, liquidators and receivers of theBank and the Customer respectively.If there is any conflict or inconsistency between the English version and the Malay version of these terms, the English version shall prevail

Accounts can be opened in the name of one person or jointly in the name of two or more persons.Accounts can be opened in the name of the Company upon submission of relevant documents to the satisfaction of the Bank.The prescribed age for the opening of certain accounts shall vary in accordance with the specific terms and conditions and product features ofthe account. For the opening of certain accounts involving an individual below 18 years of age, the account shall be opened jointly with by theindividual’s parent or guardian.The Bank may prescribe a minimum cash deposit for any/all of the accounts opened with the Bank for such amount as shall be determined by the Bank at its sole discretion.The Customer agrees to abide by the minimum deposit requirements prescribed by the Bank for the maintenance of Current Accounts. In failing to meet such requirement, the Customer agrees to pay the charge imposed by the Bank from time to time. The Customer also agrees to pay any stamp duty incidental to the issuance of the cheque books.Any/all information provided by the Customer to the Bank in the Application for Opening an Account signifies representations to the Bank. The Customer acknowledges that the account is opened in reliance of the information given and undertakes to notify the Bank immediately of any change to such information.The Customer’s specimen signature lodged with the Bank shall be considered the basis for effecting transactions on the Customer’s account and shall remain valid unless the Bank receives written instructions to cancel/change the signature(s).The Bank is entitled to refuse any application to open an account or for any facilities or services without having to assign any reason for such refusal.

The Customer appoints the Bank as its Wakil (“Agent”) and authorizes the Bank to deal with and/or invest the whole or any part of any monies standing to the credit of the Account held in any manner that the Bank shall deem fit including trading and investment purposes and to exercise and negotiate on behalf of the Customer in relation thereto provided that all such transactions/investments are in conformity with Shariah principles.The Customer as the Principal shall bear all risks associated with the acts of the Bank as agent for the Customer except those losses which the Customer can establish were due to the Bank’s wilful default/gross misconduct.The Bank shall act as the non-exclusive Agent of the Customer.The Bank as the Agent is entitled to a Wakalah fee and the Bank has the sole discretion to waive or impose such fee.

The Bank anticipates but does not guarantee that a return may be generated from the investment. The Bank may publish the return as an expected rate of return.In the event the expected return generated from the investment exceeds the anticipated rate of return, the Bank is entitled to retain the excess return after deduction of the Wakalah fee which the Customer acknowledges shall be considered as an incentive for the Bank for its performance.In the event the earning from the investment is less than the anticipated rate of return, the Customer is entitled to the earning less the Wakalah fee.

The Customer acknowledges that the payment of returns shall vary in accordance with the specific terms and conditions and product features of the facilities and/or services.

The Bank accepts deposits from the Customer in cash or by any of the banking customary practices. Deposits by third parties into the Customer’s account may be accepted without liability on the Bank’s part.Where the Bank has provided special services/facilities for eg. through the Bank’s Cash/Cheque Deposit Machines (CDMs) to receive cash and cheques, the Customer shall follow the prescribed procedures correctly.Cash drawings can be made over the counter or vide any of the Bank’s Cards which allow for the same.The Bank reserves the right to refuse to accept collection cheques and other monetary instruments which in the Bank’s opinion are irregular in any manner or which are not in accordance with Shariah requirements or which may have been altered notwithstanding that the alteration may have been countersigned by the drawer.Cheques received for collection but dishonoured may be returned to the Customer at his/her own risk and expense.For Micro Small Medium Enterprise ("MSME") account, if within a period of twelve (12) months, the Customer's cheques have been returned six (6) times or any number of times as determined by the Bank from time to time, the Bank reserves the right at its sole discretion to close the Customer's account or change Customer's MSME account to the normal current account.The Bank may refuse to accept any deposits or withdrawals whenever there is breakdown or failure in the on-line computer system whether such breakdown or failure be total or partial.

The Bank shall credit all the incoming remittances and Drafts of the Customer into the Customer’s accounts in the currency of such accounts unless the Bank receives instructions contrary thereto from the Customer and the deposit shall be at the exchange rate prevailing on the same day of the deposit.All the transfers effected by the Bank according to the Customer’s instruction shall be at the Customer’s expense and the Bank shall not be held liable if the amounts credited to the Customer’s accounts are reduced due to the charges or decline in value/currency and the Bank shall not be responsible of the Customer is unable to avail of the funds on account of any restrictions issued by the relevant authorities.The Bank shall not be liable for the consequences ensuing from any irregularity, delay, mistake, telegraphic error, omission or misinterpretation that may arise from and against any loss which may be incurred through the omission of its correspondents in ensuring proper identification of the persons named in the instructions or retaining the funds.Should all or any of these transfers be unpaid and refunded to the Bank, the Customer can only claim the value thereof at the buying rate of the day when the refund takes place. The refund will only be effected upon confirmation from the Bank’s correspondents that the funds are unpaid and that the original instructions have been cancelled.

The Customer undertakes to ensure sufficient funds are kept in the account to meet payment.The instruction is subject to any arrangement now subsisting or which may hereafter subsist between the Customer and the Bank in relation to the Customer’s account.The Bank may at its absolute discretion terminate the instruction as to the future payments at any time by notice in writing to the Customer or without notice at any time being advised by the above named payee that no further payment is required or without assigning any reason thereto.The Standing Instructions will remain effective in respect of payments made in good faith notwithstanding the Customer’s death or bankruptcy or the revocation of this instruction by any other means until written notice of the Customer’s death or bankruptcy or of such revocation is received by the Bank.

All deposits made in a Joint Account and the inward transfers to this account shall be deemed to be owned by the Account holders unless stipulated otherwise.Any of the Joint Account holders or their representatives should not request credit facilities in their personal names secured by the Joint Account without written approval from all the Joint Account holders.The Joint Account holders authorize the Bank to include his/her share in the joint account to set-off with his/her other various accounts.If in any event any joint holder account dies, the following procedure shall apply:

Authorised persons shall handle all the banking and investment transactions with the Bank to the extent of the powers expressly granted to them.The Company/Organization shall promptly inform the Bank of any changes in its Memorandum and Articles or Association or its By-laws or the change of the legal form or any change in its Constitution, Board of Directors, Partners, Representatives or changes in the authorized signatories.The partners declare that in case of the amendment in the powers of any partner representing the Company/Organization whether due to withdrawal, resignation or dismissal or to any amendment of the Memorandum of Association or the change of its name or the loss of legal capacity of any partners or the declaration of his/her bankruptcy or death, or joining or withdrawals of one or more partners, the remaining partners shall be fully liable on behalf of the Company/Organization and the Bank shall have the right to attach all the credit amounts of the Company.

The Customer agrees to provide the relevant resolutions to authorize the opening of the account and to provide specimen signatures for the operation of the account.The instructions given by the Customer pertaining to the operation of the account shall remain in force until the Bank receives written notice to revoke such instructions notwithstanding any change in the constitution and membership whether by death, bankruptcy, retirement or admission of new members or otherwise.

The Bank reserves the right to add, modify, vary or delete any of these terms and conditions and such changes shall become effective upon notice of such changes by any mode of communication the Bank deems appropriate. Upon the issuance of such notices, the Customer shall be bound by such changes.





























1. ACCCOUNT1.11.21.3

1.41.5

1.6

1.7

1.8

2. WAKALAH CONCEPT2.1

2.2

2.32.4

3. RETURNS FROM INVESTMENT3.1 3.2

3.3

4. PAYMENT OF RETURN4.1

5. DEPOSIT AND WITHDRAWALS5.1

5.2

5.35.4

5.55.6

5.7

6. REMITTANCES6.1

6.2

6.3

6.4

7. STANDING INSTRUCTIONS7.17.27.3

7.4

8. CONDITIONS TO JOINT ACCOUNT (INDIVIDUAL)8.18.28.38.4

9. CONDITIONS RELATING TO ACCOUNTS BELONGING TO COMPANIES/ ORGANIZATIONS9.19.2

9.3

10. CONDITIONS RELATING TO ACCOUNTS OF SOCIETIES OR CLUBSK10.110.2

11. CHANGE IN TERMS AND CONDITIONS11.1


25.4 25.5

25.6 25.7 25.8

i) ii)iii)

any available balance in the Joint Account (in the absence of contrary instruction/agreement in writing) shall belong to the survivor(s) of the Joint Account which the survivorship principle applies;the Bank shall pay all or any part thereof to one or more such person and such right shall not be affected by the death, insanity or other disability of any one or more of such persons;any payment made by the Bank to the survivor(s) shall constitute a complete discharge of the Bank’s liability under the Joint Account.


If the Customer disagrees with the changes to the terms and conditions, the Customer shall be entitled to terminate the agreement.

In availing of any of the Bank’s facilities and/or services, the Customer agrees to pay the fees and charges imposed by the Bank in providing the Customer with the facilities and/or services and as varied by the Bank from time to time.The Customer acknowledges that the Bank may at its sole discretion revise/amend/vary any of the Bank’s fees and charges provided the Customer is notified of such changes through any means the Bank deems appropriate.The Bank’s Tariff of fees and charges for depository services and its facilities and/or services as may be imposed and/or revised by the Bank from time to time may be accessed through the Bank’s website or provided to the Customer upon request.

The Customer may be provided with periodic statements detailing all movement and operation including transactions in the account and can be accessed via on-line or any other mode as provided by the Bank.The statement of account shall be conclusive and binding upon the Customer unless the Bank is notified in writing of any errors/irregularities within fourteen (14) days of the date of the statement.

The account shall be considered dormant if no transactions are effected for a period exceeding twelve (12) months. In which event, the Bank may elect to terminate the Wakalah provided the Bank duly notifies the Customer of such intention to terminate.14.2 The Customer agrees that the Bank will perform automatic renewal/roll-over of investments held in Term Deposits until such time the Bank elects to terminate such investments. The prescribed period shall be as stated in the specific terms and conditions and product features of the product and may be varied by the Bank from time to time.14.3 The Bank reserves the right to impose charges on such Dormant Accounts and to debit the amount for such charge from any of the Customer’s accounts held with the Bank.

Pursuant to the Islamic Banking Order 2008 for accounts classified under Unclaimed Monies, that is accounts which have been inactive or have not been operated on for six (6) years or more and upon all reasonable attempts by the Bank to inform/locate the Customer of the existence of such monies, the Bank shall surrender the balance in the account to the Autoriti Monetari Brunei Darussalam (“AMBD”). Henceforth, the owner of the monies would have to claim the monies directly from AMBD.

The Customer shall keep the Bank indemnified on a full indemnity basis at all times and save the Bank harmless from all actions, proceedings, claims, losses, liabilities, damages, costs and expenses which may be brought against the Bank or suffered or incurred by the Bank and which shall have arisen either directly or indirectly out of or in connection with the Bank performing its obligations hereunder or acting upon the Customer’s instruction whether written or oral unless due to the wilful default of the Bank.The liability of the Customer shall be continuing and shall remain in full force and effect until the Customer fully discharges such liability to the Bank.

The Bank shall have an absolute right to combine/merge/consolidate any/all of the Customer’s accounts held with the Bank for the purpose of setting off debit balance against available credit balance or to reimburse itself for recovery of dues of commitments for which the Customer is liable.The Customer further agrees that the Bank may at any time and without giving any prior notice freeze, set off or transfer any amounts between the Customer’s accounts irrespective of the types or names of the accounts, whether individual and/or joint account, in local or foreign currency so that each account shall be considered as security for the other accounts, individually or jointly for the purpose of settling any debts of the Customer or the party(s) guaranteed by the Customer to the Bank.

The account shall be deemed closed when the Customer’s:

The Bank is at liberty to close the Customer’s account immediately without assigning any reason thereto.Upon the closure of the account by either the Bank or the Customer, all unused cheques shall become the property of the Bank and the Customer shall immediately return the unused cheques to the Bank.In the event of death, insanity, bankruptcy or winding up the Bank is entitled to immediately freeze and/or close the Account until the receipt of an order from Court/Authority and/or submission of relevant documents.

Any account in the Product Features which requires a minimum term the validity of such account may be automatically extended upon the expiry of such term for a further period as prescribed by the Bank.

The Customer acknowledges that certain facilities necessitate at least a minimum period. In the event of any termination before the expiration of the minimum period, the Bank is entitled to recover any actual loss due to the early termination.In the event of early termination, the Customer acknowledges that for certain facilities and/or services, the Customer may not be entitled to payment of any returns and any such entitlement shall be solely determined by the Bank at its discretion.

The Customer is required to notify the Bank of any change in the Customer’s particulars such as a change of residential address or a change in the Company’s authorized as soon as possible. All communications including the service of any legal process sent by post or left at the last known address of the Customer provided to the Bank shall be deemed to have been duly delivered to and received by the Customer.The Customer agrees not to hold the Bank liable in the event the Customer does not receive any communications/correspondences ensuing thereto.

All financial transactions including the opening of an account with the Bank are subject to the Bank's existing internal policies and procedures on Know-Your-Customer ("KYC") and Anti-Money Laundering ("AML") and applicable laws including the Criminal Asset Recovery Order, 2012.If the Bank knows or has reasonable grounds to believe or suspect any transactions or certain funds have been derived or realized directly or indirectly from the commission of unlawful activities, the Bank reserves the right to reject such transactions and report the matter to the relevant authorities.

Without prejudice to these terms and conditions and the Bank’s Rules and Regulations, where applicable, these terms and conditions shall also be subjected to such rules, regulations, guidelines and/or directives imposed upon the Bank from time to time and applicable laws.Any such changes will be notified to the Customer within such period as deemed reasonable by the Bank.

These terms and conditions shall be governed by and construed in accordance with the Laws of Brunei Darussalam.The Courts of Brunei Darussalam shall have the exclusive jurisdiction over any dispute that may arise in connection with the construction or performance of these terms and conditions.

The Customer consents to the Bank disclosing any information pertaining to the Customer’s account(s) held with the Bank to:

The Customer acknowledges and agrees that the Bank may, at its sole discretion, take any action the Bank deems fit and appropriate including but not limited to suspend or hold the Customer's account(s) held with the Bank where:

The Customer agrees that the actions taken by the Bank shall remain in effect and agrees not to hold the Bank responsible for such action until the Customer provides the Bank with the information/documents as requested or until further order/instructions/directions from the Court/the Authorities.Any waiver by the Bank of any breach by a Customer shall not be construed as permanent waiver and such waiver will not affect adversely the rights of the Bank under these terms and conditions at any other time.In the event that any provision hereof shall be declared by any court of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not impair or affect the remaining provisions, all of which shall continue in full force and effect.Words importing the singular number only include the plural number and vice versa.These terms and conditions shall be binding upon the representatives, assigns and successors in title, liquidators and receivers of theBank and the Customer respectively.If there is any conflict or inconsistency between the English version and the Malay version of these terms, the English version shall prevail

Accounts can be opened in the name of one person or jointly in the name of two or more persons.Accounts can be opened in the name of the Company upon submission of relevant documents to the satisfaction of the Bank.The prescribed age for the opening of certain accounts shall vary in accordance with the specific terms and conditions and product features ofthe account. For the opening of certain accounts involving an individual below 18 years of age, the account shall be opened jointly with by theindividual’s parent or guardian.The Bank may prescribe a minimum cash deposit for any/all of the accounts opened with the Bank for such amount as shall be determined by the Bank at its sole discretion.The Customer agrees to abide by the minimum deposit requirements prescribed by the Bank for the maintenance of Current Accounts. In failing to meet such requirement, the Customer agrees to pay the charge imposed by the Bank from time to time. The Customer also agrees to pay any stamp duty incidental to the issuance of the cheque books.Any/all information provided by the Customer to the Bank in the Application for Opening an Account signifies representations to the Bank. The Customer acknowledges that the account is opened in reliance of the information given and undertakes to notify the Bank immediately of any change to such information.The Customer’s specimen signature lodged with the Bank shall be considered the basis for effecting transactions on the Customer’s account and shall remain valid unless the Bank receives written instructions to cancel/change the signature(s).The Bank is entitled to refuse any application to open an account or for any facilities or services without having to assign any reason for such refusal.

The Customer appoints the Bank as its Wakil (“Agent”) and authorizes the Bank to deal with and/or invest the whole or any part of any monies standing to the credit of the Account held in any manner that the Bank shall deem fit including trading and investment purposes and to exercise and negotiate on behalf of the Customer in relation thereto provided that all such transactions/investments are in conformity with Shariah principles.The Customer as the Principal shall bear all risks associated with the acts of the Bank as agent for the Customer except those losses which the Customer can establish were due to the Bank’s wilful default/gross misconduct.The Bank shall act as the non-exclusive Agent of the Customer.The Bank as the Agent is entitled to a Wakalah fee and the Bank has the sole discretion to waive or impose such fee.

The Bank anticipates but does not guarantee that a return may be generated from the investment. The Bank may publish the return as an expected rate of return.In the event the expected return generated from the investment exceeds the anticipated rate of return, the Bank is entitled to retain the excess return after deduction of the Wakalah fee which the Customer acknowledges shall be considered as an incentive for the Bank for its performance.In the event the earning from the investment is less than the anticipated rate of return, the Customer is entitled to the earning less the Wakalah fee.

The Customer acknowledges that the payment of returns shall vary in accordance with the specific terms and conditions and product features of the facilities and/or services.

The Bank accepts deposits from the Customer in cash or by any of the banking customary practices. Deposits by third parties into the Customer’s account may be accepted without liability on the Bank’s part.Where the Bank has provided special services/facilities for eg. through the Bank’s Cash/Cheque Deposit Machines (CDMs) to receive cash and cheques, the Customer shall follow the prescribed procedures correctly.Cash drawings can be made over the counter or vide any of the Bank’s Cards which allow for the same.The Bank reserves the right to refuse to accept collection cheques and other monetary instruments which in the Bank’s opinion are irregular in any manner or which are not in accordance with Shariah requirements or which may have been altered notwithstanding that the alteration may have been countersigned by the drawer.Cheques received for collection but dishonoured may be returned to the Customer at his/her own risk and expense.For Micro Small Medium Enterprise ("MSME") account, if within a period of twelve (12) months, the Customer's cheques have been returned six (6) times or any number of times as determined by the Bank from time to time, the Bank reserves the right at its sole discretion to close the Customer's account or change Customer's MSME account to the normal current account.The Bank may refuse to accept any deposits or withdrawals whenever there is breakdown or failure in the on-line computer system whether such breakdown or failure be total or partial.

The Bank shall credit all the incoming remittances and Drafts of the Customer into the Customer’s accounts in the currency of such accounts unless the Bank receives instructions contrary thereto from the Customer and the deposit shall be at the exchange rate prevailing on the same day of the deposit.All the transfers effected by the Bank according to the Customer’s instruction shall be at the Customer’s expense and the Bank shall not be held liable if the amounts credited to the Customer’s accounts are reduced due to the charges or decline in value/currency and the Bank shall not be responsible of the Customer is unable to avail of the funds on account of any restrictions issued by the relevant authorities.The Bank shall not be liable for the consequences ensuing from any irregularity, delay, mistake, telegraphic error, omission or misinterpretation that may arise from and against any loss which may be incurred through the omission of its correspondents in ensuring proper identification of the persons named in the instructions or retaining the funds.Should all or any of these transfers be unpaid and refunded to the Bank, the Customer can only claim the value thereof at the buying rate of the day when the refund takes place. The refund will only be effected upon confirmation from the Bank’s correspondents that the funds are unpaid and that the original instructions have been cancelled.

The Customer undertakes to ensure sufficient funds are kept in the account to meet payment.The instruction is subject to any arrangement now subsisting or which may hereafter subsist between the Customer and the Bank in relation to the Customer’s account.The Bank may at its absolute discretion terminate the instruction as to the future payments at any time by notice in writing to the Customer or without notice at any time being advised by the above named payee that no further payment is required or without assigning any reason thereto.The Standing Instructions will remain effective in respect of payments made in good faith notwithstanding the Customer’s death or bankruptcy or the revocation of this instruction by any other means until written notice of the Customer’s death or bankruptcy or of such revocation is received by the Bank.

All deposits made in a Joint Account and the inward transfers to this account shall be deemed to be owned by the Account holders unless stipulated otherwise.Any of the Joint Account holders or their representatives should not request credit facilities in their personal names secured by the Joint Account without written approval from all the Joint Account holders.The Joint Account holders authorize the Bank to include his/her share in the joint account to set-off with his/her other various accounts.If in any event any joint holder account dies, the following procedure shall apply:

Authorised persons shall handle all the banking and investment transactions with the Bank to the extent of the powers expressly granted to them.The Company/Organization shall promptly inform the Bank of any changes in its Memorandum and Articles or Association or its By-laws or the change of the legal form or any change in its Constitution, Board of Directors, Partners, Representatives or changes in the authorized signatories.The partners declare that in case of the amendment in the powers of any partner representing the Company/Organization whether due to withdrawal, resignation or dismissal or to any amendment of the Memorandum of Association or the change of its name or the loss of legal capacity of any partners or the declaration of his/her bankruptcy or death, or joining or withdrawals of one or more partners, the remaining partners shall be fully liable on behalf of the Company/Organization and the Bank shall have the right to attach all the credit amounts of the Company.

The Customer agrees to provide the relevant resolutions to authorize the opening of the account and to provide specimen signatures for the operation of the account.The instructions given by the Customer pertaining to the operation of the account shall remain in force until the Bank receives written notice to revoke such instructions notwithstanding any change in the constitution and membership whether by death, bankruptcy, retirement or admission of new members or otherwise.

The Bank reserves the right to add, modify, vary or delete any of these terms and conditions and such changes shall become effective upon notice of such changes by any mode of communication the Bank deems appropriate. Upon the issuance of such notices, the Customer shall be bound by such changes.

11.2

12. TARIFFS12.1

12.2

12.3

13. STATEMENT13.1

13.2

14. DORMANT ACCOUNT14.1

14.2

14.3

15. UNCLAIMED BALANCES15.1

16. LIABILITY AND INDEMNITY16.1

16.2

17. RIGHT OF SET-OFF17.1

17.2

18. CLOSURE OF ACCOUNT 18.1

18.218.318.4

19. DURATION19.1

20. EARLY TERMINATION20.1

20.2

21. CHANGE OF ADDRESS, SIGNATURE OR PARTICULARS21.1

21.2

22. SUSPICIOUS TRANSACTIONS22.1

22.2

23. RULES AND REGULATIONS OF REGULATORY BODIES23.1

23.2

24. GOVERNING LAW AND JURISDICTION24.1 24.2

25. GENERAL25.1

25.2

25.3

25.4

25.5

25.625.7

25.8

i) ii)

Account is dormant and any/all unclaimed monies are transferred to AMBD as stipulated in Clause 14.2 hereinabove; and/orCheques are returned in accordance to Clause 5.6 hereinabove.

i) ii)iii)iv)

authorized personnel within the Bank’s Group with a need to know such information for whatever purpose;to police or other public officers conducting an investigation in relation to any offence;to other banks/financial institutions/other institutions for whatever purposes including credit purposes;to any local authority/court of law in Brunei Darussalam where such disclosure is required by law/regulation.

i) ii)iii)

the Customer fails to provide the Bank with the information/documents requested by the Bank within the period prescribed by the Bank or;pursuant to any Court Order or instructions/directions received from any regulatory body/agency ("the Authorities");the Bank has reasonable cause to carry out such action.

corporate application 2020.approved-v6...pengakuan dan persetujuan | declaration and consent...

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